Dell Financial Services sucks and should be stopped from their unfair business practices! Round Rock, Texas
I had purchased a computer for my daughter so she could take online college classes and so she could get her degree. She made the payments until her fiancee was laid off. When I talked to Dell Financial they enrolled me into a hardship program where they would take $54.00 out of my checking account each month with the first payment to start up the program taken in April and monthly starting in July. Nothing was taken out in July. I received a phone call from Premiere Financial on 8/12/10 and they told me that Dell had turned the account over to them. I called Dell Financial and was told I had defaulted on the program and it was sent to collection. Now I found out that they were only taking the first payment out of my checking account, and I was to send the rest after I got my statement. What statement?? I never received one. I was not told this in the first telephone conversation with Dell, I had my husband listen on the other phone so I have a witness. We both were led to believe it was being taken out of our checking account each month. The person I talked to claimed that a statement was sent to my address. I never received a statement or any correspondence from Dell regarding this matter until yesterday. I received a letter saying that the terms of the hardship agreement had changed. The only change in this letter compared to the one I received in April is if for any reason, I am removed from the program the APR of 29.99% will be applied to the balance and late fees will be added. If I recieved one letter postmarked August 9, 2010 then why did I not received these statements they claim they sent. When I talked to the person at the collection agency he said this is not the first time this has happened on a Dell account. There is something not right. I believe they did not have any intention of honoring our agreement and it was a bait and switch tatic so they could add all these other fees before they turned it over for collection. I have filed a complaint with the Texas BBB. I am also looking into taking legal action against Dell. Heck I would be happy if I clould just send back the garbage computer I got from them and call it paid off.